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Clear CarInsurancePolicy document
Keep me safe
Welcome to LV= BrokerThank you for choosing LV= Broker Clear Car insurance. We hope you’ll be happy with the cover and service you get from us. This booklet tells you everything you need to know about your insurance, please keep it safe with your schedule and certificate of insurance.
A little bit more about us…
LV= is a registered trademark of Liverpool Victoria Friendly Society and LV= Broker is a trading style of the Liverpool Victoria Group of Companies. Your policy is underwritten by Highway Insurance Company Limited, also part of the Liverpool Victoria group of companies. You can find out more about us at www.LVbroker.co.uk/clear
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ContentsIntroduction 2
How we use your Personal Information 3
General definitions 10
Claims information 12
Complaints procedure 14
The cover provided 16
Section 1 Your liability to others 16
Section 2 Loss of or damage to your car 18
Section 3 Medical expenses 21
Section 4 Personal belongings 21
Section 5 If you or your spouse or civil partner are involved in an accident 22
Section 6 Replacement locks 22
Section 7 Foreign travel 23
Section 8 No claim discount 24
Section 9 Emergency accommodation and travel expenses 26
Section 10 Loss of vehicle licence 26
Section 11 Uninsured drivers 26
Section 12 Luggage trailer 26
General exclusions applying to all parts of this policy 27
General conditions applying to this policy 29
Protecting your car and belongings 34
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Introduction
Your Clear Car policy is made up of several parts which must be read together as they form your contract.
Please take time to read all parts of this policy to make sure they meet your needs and that you understand the cover provided and the general exclusions and general conditions that apply. If you wish to change anything or if there is anything you do not understand, or any statement is incorrect, please contact your insurance advisor.The parts of this policy are: • this introduction; the General definitions; the Cover provided; the General exclusions and
General conditions all of which apply to all sections of this policy.• the schedule, which includes all endorsements applied to this policy while it is in force.• the certificate of motor insurance• the Statement of Insurance (only applicable where an application form was not required).Any word or expression in this policy which has a specific meaning has the same meaning wherever it appears in this policy. These words are highlighted in bold.
We will insure you in accordance with and subject to the terms of this policy, in consideration of payment of the premium for the period of insurance.
Financial Services Compensation Scheme:
If we are unable to meet our liabilities you may be entitled to compensation under the Financial Services Compensation Scheme (FSCS). Further information about compensation scheme arrangements is available at
www.fscs.org.uk
FSCS on 0800 678 1100 or 0207 741 4100
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How we use your Personal Information
This explains how we collect, use and store your personal information. This includes any personal information given to us about other people named on the policy, quote or claim.
We want you to be confident about how we use your personal information. As a regulated company and information controller we take our responsibilities for the security and management of your personal information seriously. That’s why we invest in our systems and processes to ensure that the way we collect, use, share, and store your information meets both the regulatory and our own high standards.
Who we are and how to contact usHighway Insurance Company Limited is the controller of your personal information and is part of the LV= group of companies. For more information visit LV.com/terms/lv-companies.
If you have any questions about how we process your personal information please get in touch with us at: GI Customer Support, LV=, County Gates, Bournemouth, BH1 2NF or email us at: [email protected].
You can also contact our Data Protection Officer: Data Protection Officer, LV= County Gates, Bournemouth, BH1 2NF or via email at [email protected].
Information we collectWe only ask for information that we need, and have strict controls to keep it safe. We collect your personal information to provide our products and services (eg handling your claims) to you. Without the information we ask for, we can’t give you a quote or insurance policy and it may affect the outcome of any claims you make. Personal information we collect will be held in digital and / or paper files. We collect personal information such as name, address, date of birth, criminal convictions, health, and claims history. We’ll also collect information which relates to the things you want to insure (for example your house or vehicles).
We collect personal information about everybody named on your policy, quote, incident or claim when you:• ask for a quote or apply for a policy• buy and / or use a product or service• ask us a question • make, or inform us of a claim or incident• update your personal details• change your cover • register a complaint• take part in market research (eg customer satisfaction surveys)
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How we use and share your personal informationThe personal information we ask for will be used by us and third parties who process information on our behalf. This includes organisations who administer your policy, service your claims and reinsurers.
Legal grounds for processing personal informationWe collect your personal information to provide our quotes, products and services to you.
As a regulated financial services organisation we’re required to comply with legal and regulatory obligations such as the prevention, detection and reporting of fraud and other financial crime.
We’ll process personal information for our legitimate interests, when we have a business reason to do so, to:• develop, improve, and personalise our products, pricing and services• enhance our customer service, experience, and relationship (eg customer and market
research, business analysis, provide relevant product and service information)• help detect and prevent fraud and financial crime• develop and improve our administration, security systems and insurance applications• share it with third parties in the event of organisational change (eg if we bought or merged
with another organisation)• share personal information with other LV= companies
If we need your consent to process personal information we’ll ask for this first. You can withdraw your consent at any time.
We’ll ask for your consent (or next of kin’s), to obtain any medical / health information we need. In an emergency we’ll manage claims until you or someone else is able to act on your behalf.
Automated decision making and profiling We use automated decision making to help determine the prices, policy terms, relevant products / services, when you research or ask for a quote, buy insurance, make any changes, renew or make a claim. We may also profile you based on your personal information and that provided by third parties. Profiling may be used to help determine the likelihood of a claim or policy transaction being fraudulent.
Profiling will also be used to enhance our understanding of you and to inform our business decisions (eg product design, pricing, customer journeys or marketing strategy).
Please see the personal information rights section below.
How we use your Personal Information (Continued)
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Multiple policies at the same addressWe may provide a discount if there is more than one policy at the same address. This could result in anyone at the address who has a policy or quote with us then being made aware that someone else living there also has insurance with us.
International transfersIn the event that we process personal information outside the UK, the processing in those locations is protected by UK and European data standards.
Where your claim occurs abroad we will also send data to the necessary service providers and agencies as required to service your claim.
Financial crime & fraud prevention agenciesThe personal information we have collected will be shared with crime prevention agencies who will use it to prevent financial crime and fraud and to verify your identity. If financial crime or fraud is detected, you could be refused certain services, finance or employment. Where we suspect financial crime or fraud, we may cancel any policies you have with us, not be able to pay any claim or offer you the requested product or service. We may share relevant information with crime and fraud prevention agencies, law enforcement agencies and other relevant organisations.
Regulatory bodiesYour personal information will be used or disclosed as required to regulators to monitor and enforce our compliance with any regulation.
Claims and Underwriting Exchange and other databasesYou must tell us about any claim or accident, even if it wasn’t your fault. We’ll share this information and your personal details with databases such as the Claims and Underwriting Exchange (CUE). We may search these databases when you apply for insurance, make a claim or renew your policy, to validate your claims history (or that of any other person or property likely to be involved in the insurance or claim).
Credit search and identity checkIn order to process your application we’ll supply your personal information to credit reference agencies (CRAs) and they’ll give us information about you, such as about your financial history. We do this to assess creditworthiness, check your identity, manage your account, trace and recover debts and prevent fraud and other financial crime.
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We’ll also continue to exchange information about you with CRAs on an ongoing basis, including about your settled accounts and any debts not fully repaid on time. CRAs will share your personal information with other organisations. Your data will also be linked to the data of any joint applicants or other financial associates you have.
The identities of the CRAs and the ways in which they use and share personal information are explained in more detail at experian.co.uk/crain, callcredit.co.uk/crain and equifax.co.uk/crain.
BrokersIf we get your details from an insurance broker, your personal information (eg policy details, claims, payment, suspected fraud and other financial crime information) will be shared with them.
Partner or affinity associations If you get a quote or buy through one of our partner or affinity associations, we may pass some of your personal information back to them (eg policy details, claims, membership and suspected fraud and other financial crime information).
Incidents or claims When you tell us about an incident or claim we’ll share this with relevant agencies and appropriate service providers. We’ll also collect information from anyone else involved as necessary, eg claimant, witnesses or police.
Public informationWe may use public information (such as electoral roll, county court judgements, vehicle taxation status, MOT status, bankruptcy or repossessions).
Industry databasesWe’ll check and exchange information with industry databases, such as: • credit reference company data (eg credit scores)• geographical (eg flood scores, information about a location)• demographics (eg modelled data on household incomes, credit reference agency scores)• insurance and claims history (eg previous claims, No Claim Discount)• motoring conviction history (eg DVLA MyLicence service)• information about what you want to insure or make a claim for (eg vehicle repair history,
vehicle finance data, property information, building council tax band)• financial crime and fraud prevention databases (also refer to financial crime and fraud
prevention agencies section)• claims compensation and recovery databases (eg reimbursement of NHS costs resulting
from an accident)
How we use your Personal Information (Continued)
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Specialist services we useWe use other companies to provide some services, eg banks and building societies, breakdown and recovery agents, claims adjusters, claims suppliers, legal service providers, communication services, debt recovery agencies, marketing, fraud and other financial crime investigation services etc. They’ll be given the personal information they (or their sub-contractors) need to manage their service.
Market research agenciesWe may share your personal information with market research agencies who will conduct market research and business analysis on our behalf.
Reinsurers and reinsurance brokersWe may need to share any personal information, including policy, claims, medical, and suspected fraud and other financial crime information, with our reinsurers and reinsurance brokers. Reinsurers provide insurance policies to insurance companies. Insurance companies engage a reinsurance broker to advise and assist in arranging a re-insurance policy.
Other insurersWhen necessary we share your personal information with other insurers if you make a claim, to verify that the information you’ve provided is correct and prevent financial crime and fraud. If you move to a new insurer we may confirm certain details about your insurance to them. We’ll only do this if we’re sure it’s a genuine request.
DVLAIf you give us a driving licence number when getting a motor insurance quote, we’ll pass it to the DVLA MyLicence service to verify the status of the licence and entitlement. We’ll then get any relevant restriction information, endorsements and / or conviction data.
Motor Insurance Database We’ll add details about your insurance policy to the Motor Insurance Database (MID) which is managed by the Motor Insurers’ Bureau (MIB). The MID and the data stored on it may be used by the Police, the DVLA, the DVANI, the Insurance Fraud Bureau and other bodies permitted by law for purposes not limited to but including:• electronic licensing• continuous insurance enforcement• law enforcement (prevention, detection, apprehension and / or prosecution of offenders)• the provisions of government services and / or other services aimed at reducing
uninsured driving
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If you’re involved in a road traffic accident (either in the UK or abroad), insurers and / or the MIB may search the MID to obtain relevant information. Other persons (including their appointed representatives) pursuing a claim in respect of a road traffic accident (including foreign citizens) may also obtain relevant information held on the MID.
It’s important that the MID holds your correct registration number. If not, you risk the Police seizing your vehicle. You can check that your registration number is shown on the MID at askmid.com
Medical and other health services If you make a claim and give us your consent, we’ll get your medical information from the relevant health provider, eg doctor or hospital.
ClaimantsWe may be given information by a claimant or their representative, a witness or family member, to support a claim or to pursue a claim against your policy.
Other insured partiesAn insured party on your policy (eg named driver) may notify us of an incident or claim against your policy.
Law enforcement and government agenciesInformation may be given to us by law enforcement agencies (eg the police) about an incident which may result in a claim or may affect a policy or ongoing claim.
Giving someone permission to talk to us about your policyWe can only talk about your policy to you or someone we’re satisfied that you’ve authorised to talk to us, on your behalf.
CommunicationsWhen you contact us, personal information that you give us will be recorded. This helps us improve our customer service, train our staff, respond to complaints and prevent fraud and other financial crime.
All communications will be in English. You can get this document from us in Braille, large print or audiotape by contacting us.
How we use your Personal Information (Continued)
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CookiesWe use cookies to enhance your online experience and help us understand how our website can be improved. We don’t store any contact details or banking information and we’ll only remember your last visit. If you want to find out more or stop us from using cookies, please see our cookie policy on our website for more information.
How long we keep your personal information If you buy a policy from us we’ll keep all personal information for 7 years after the policy ends to ensure we meet our statutory and regulatory obligations (eg as laid down by the HMRC, MIB), and allow us to manage complaints or claims.
After 7 years, we’ll only keep the personal information we need so that we can identify who was covered for 40 years after the policy ends.
In exceptional cases we may need to keep claim information for longer than 40 years (eg where serious injury has occurred and there is potential need to provide life-long care to an injured person).
We’ll keep your quote for up to 1 year.
Your personal information rightsYou have a right in certain circumstances to:• access the personal information we hold about you• correct personal information• have your personal information deleted• restrict us processing your personal information• receive your personal information in a portable format, and• object to us processing your personal informationYou can also ask for a person to review an automated decision.
If you want to find out more or to exercise these rights please contact us: GI Customer Support, LV=, County Gates, Bournemouth, BH1 2NF or email us at [email protected].
Your right to make a complaintIf you have a complaint about the way we process your personal data please contact us.
You can also raise your complaint with the Information Commissioner’s Office on 0303 123 1113 or visit ico.org.uk/concerns.
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General definitions
The terms below have their meaning shown next to them and appear in bold throughout your policy.
Certificate of motor insuranceThe document issued by us showing that this policy provides the cover you need by law to comply with the relevant United Kingdom and European Traffic laws. It shows who is entitled to drive your car and the purposes for which your car can be used.
Endorsement Changes to the terms and conditions of your policy which will be shown in your schedule.
Excess/ExcessesThe amount you will have to pay if you make a claim regardless of who was to blame. The excess amounts are shown in this policy but other additional excesses may be shown in your schedule.
Highway InsuranceThe trading name of Highway Insurance Company Limited.
Highway Insurance Company LimitedAn insurance company, part of the Liverpool Victoria group of companies, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
Insurance AdvisorThis is the person who you arranged your insurance with.
Market value The cost of replacing your car at the time of the loss or damage, taking into account its make, model, specification, age, mileage and condition.
This will not exceed the estimate of value that you last gave to us.
Period of insurance The period you are covered for as shown on your certificate of motor insurance and schedule.
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Prejudicial ClaimAny claim made against your policy that has either resulted in us making a payment and we are not able to recover the full amount of this payment, or a claim that is outstanding and responsibility for the claim has not been decided.
Recommended RepairerThe national network of repairers we work with as part of a claim to repair your car.
Schedule A document which includes your details and specifies the cover provided by your policy and any endorsements applying to your policy.
Spouse/Civil Partner The person you are legally married to or have entered a legal Civil Partnership with.
Statement of InsuranceA record of the information you have provided us with.
Territorial limits Great Britain, Northern Ireland, The Channel Islands, The Isle of Man, Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Monaco, Netherlands, Norway, Poland, Portugal, Republic of Ireland, Romania, San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland and the Vatican City. It also includes travelling between these countries by air, rail or sea, including loading and unloading.
We, us, our Highway Insurance Company Limited trading as Highway Insurance.
You, your, yourself The insured named on the schedule.
Your car Any car and accessories in, on or attached to it, as described in paragraph 1 of your current certificate of motor insurance or your policy schedule.
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Claims information
We aim to provide you with the best claims service that we can. If you use the services we have put in place to achieve this, we can provide a better service than when the claim is outside our control.
To make a claim0800 681 6366(24 hours a day, 365 days a year)Abroad phone number 01202 556797For glass only claims 0800 678 1010If any accident, injury, loss or damage occurs you, or your legal representative, must follow these simple steps:1. Call us as soon as possible after the accident – please have your policy number and as
much information as possible about the claim ready when you call.2. If your car is stolen or vandalised, report this to the police immediately and take a note of
the crime reference number.3. Speak to us before you make any arrangements for replacement or repair
You must also:• Immediately send us, all communications from other people involved without replying• Immediately tell us about and send to us any notice of intended prosecution, inquest, fatal
accident inquest, or any writ, summons or process without replying.• Tell us straightaway if the insured vehicle is stolen and you later get it back, or discover
where it is.• Get our permission before ordering any new part or accessory, and before paying for any
transport outside the United Kingdom.• Give any information, help, co-operation and documentation we need, including going to
court if necessary.• Pay any excess that applies• If you are registered for VAT, pay any VAT that applies
You must not, without our consent:• Negotiate or admit responsibility• Make any offer, promise, payment or settlement
We’re entitled to do the following:• Have total control to conduct, defend or settle any claim• Take proceedings in your name, or that of any other person insured, at our own expense
and for our own benefit to recover any payment we have made.
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Handling your claim (See Sections 2 and 6)If your car is being repaired by a Recommended Repairer they will provide you with a courtesy vehicle for the duration of the repair to your car.
A courtesy vehicle provided under this section will usually be a class A (small hatchback) courtesy car.
We will insure the courtesy vehicle under this insurance in exactly the same way as we insure the insured vehicle. You must return the courtesy vehicle when the owner or we ask you to or if this insurance expires and you do not renew it.
Paying your claim (See Sections 2 and 6)We will:• Pay the reasonable cost of protecting and returning the insured vehicle to the address
shown on the schedule (within the United Kingdom unless we have agreed otherwise first).• Entirely at our discretion and subject to payment of the policy excess, arrange to: a) repair the damage at a Recommended Repairer. We may decide to use suitable parts
or accessories which are not supplied by the original manufacturer, or alternatively authorise repairs at a repairer of your choice subject to the provision of satisfactory estimates.
b) pay you the cost of replacing or repairing the damaged parts, including their fitting, or c) treat your car as a total loss and replace your car or pay you the market value of your
car less any applicable excess. Once you accept our offer or we have paid the claim (or both) the insured vehicle becomes our property, unless we agree otherwise.
• If any part or accessory is not available, the most we will pay for that part will be the cost shown in the manufacturer’s last United Kingdom price list, plus a fitting cost
• Not pay the whole cost of any repair or replacement that leaves the vehicle in a better condition than before the loss or damage (you will pay part of the cost of the repair or replacement).
• Not refund any premium if the insured vehicle is written off or there is any claim.• Settle the claim to the legal owner, up to the market value, if your car is part of a hire-
purchase or leasing agreement, or belongs to someone else. We will not pay the VAT element of any claim if you are registered for VAT.
• If we declare the insured vehicle a total loss (write off), you must pay whatever you owe us before we will pay your claim, or we may take what you owe us from anything we pay you.
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Complaints procedure
Using our complaints procedure or contacting the Financial Ombudsman Service does not affect your legal rights.
Our aim is to get it right, first time, every time. If we make a mistake we will try to put it right promptly.
We will always confirm to you the receipt of your complaint within five working days. If we cannot resolve it within this time we will provide you with fortnightly updates on the current status of your complaint.
If we have not resolved the situation within eight weeks we will issue you with information about the Financial Ombudsman Service which offers a free, independent complaint resolution service.
If you have a complaint please contact our Customer Care Department via the options on the opposite page.
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You have the right to refer your complaint to the Financial Ombudsman, free of charge – but you must do so within six months of the date of the final response letter.
If you do not refer your complaint in time, the Ombudsman will not have our permission to consider your complaint and so will only be able to do so in very limited circumstances. For example, if the Ombudsman believes that the delay was as a result of exceptional circumstances.
The Financial Ombudsman Service Exchange Tower London E14 9SR
Website: www.financial-ombudsman.org.uk Telephone: 0800 0234567 or 0300 1239123 Email: [email protected]
The European Commission has an online dispute resolution service for consumers who have a complaint about a product or service bought online. If you choose to submit your complaint this way it will be forwarded to the Financial Ombudsman Service.
Visit ec.europa.eu/odr to access the Online Dispute Resolution Service. Please quote our e-mail address: [email protected]
Alternatively, you can contact the Financial Ombudsman Service directly.
Complaints procedure (continued)
The Customer Care Department, LV= Brentwood, PO Box 9104, Frizzell House, County Gates, Bournemouth, BH1 9DB
Tel: 0800 633 5386 For Text Phone please dial 18001 first.
Email: [email protected]
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What is covered in section 1
Section 1 – Your liability to others
1a Cover we provide for you We will pay all the amounts you legally have to pay as a result of using your car and any trailer,
caravan or vehicle being towed by it if you: • cause the accidental death of or bodily injury to any person; or • cause accidental damage to anyone’s property. In respect of accidental damage to property we will not pay any more than £20,000,000 including all
costs (or any higher amount or any higher limit provided for by local legislation in territories outside the United Kingdom but within the territorial limits) for any one occurrence or series of occurrences arising from one cause.
1b Driving other cars If your current certificate of motor Insurance includes driving other cars, this policy provides the
same cover as 1a above when you are driving any other car provided:• You do not own or have not hired the car under a hire purchase or lease hire agreement• The car must have valid cover in force under another insurance policy• You have the owner’s permission to drive the car • The car is being driven in Great Britain, Northern Ireland, the Channel Islands or the Isle of Man.• You are 25 years of age or over• You are not a company, firm or more than one person and• The car is being used within the limitations of use shown in your current certificate of motor
insurance.
The cover provided
Cover under your policy is comprehensive and all sections apply unless your schedule shows endorsements saying otherwise.
The General exclusions and General conditions at the back of this policy apply to all sections.
Changes to your circumstancesPlease contact your insurance advisor if there are any changes to your circumstances which could affect your insurance. There are some changes that you should tell us about before they happen, for example, if you intend to change your car or if you wish to include other drivers.
Please refer to General Condition 10 of this policy.
If your circumstances change and you do not tell us, you may find that you are not covered if you need to make a claim.
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What is covered in section 1 (continued)
2 Cover we provide for other people We will cover the following people for legal liabilities to others: • Anyone you allow to drive or use your car as long as they are entitled to drive by your current
certificate of motor insurance and your schedule and are using your car within the limitations of use specified in your certificate of motor insurance
• Anyone travelling in, getting into or out of your car. • The employer of anyone you allow to drive or use your car as long as they are entitled to drive
and this use is covered by your current certificate of motor insurance.3 Your legally appointed representatives After the death of anyone who is insured under this policy, we will protect that person’s estate against
any liability they had if that liability is insured under this policy.4 Legal fees and expenses If there is an accident insured under this policy we will, subject to our written agreement, arrange
and pay for: • a solicitor or barrister to represent anyone insured under this policy at a coroner’s inquest or
criminal court; • defending anyone insured under this policy if they are charged with manslaughter or causing
death by careless, reckless or dangerous driving.5 Emergency medical treatment If there is an accident insured by this policy, we will pay for emergency medical treatment which is
required under any compulsory motor insurance legislation.
What is not covered in section 1
We will not coverLiability for causing the death of or bodily injury to any employee in the course of their employment by anyone insured by this policy unless cover is compulsory under motor insurance legislation within the territorial limits of this policy. Liability for loss of or damage to property which belongs to or is held in trust by you, or is in your care custody or control.Liability for loss of or damage to property which belongs to, is held in trust by or is in the care custody or control of anyone you allow to drive your car and who is entitled to drive by your current certificate of motor insurance.Liability for loss of or damage to a car being driven by you under section 1b ‘Driving other cars’Liability incurred by anyone covered under any other insurance.Liability caused by using your car on any part of an aerodrome, airport, airfield or military base where aircraft can go. Loss of or damage to any trailer, caravan or vehicle being towed by your car.
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What is covered in section 2
Section 2 – Loss of or damage to your car
Damage to your carWe will, at your request, pay for:
• loss of or damage to your car up to the market value of your car; if we repair your car we may use alternative parts not supplied by the original manufacturer.
• the cost of replacing a child’s car seat fitted in your car with a new one of the same or similar model if the existing seat is being used and is damaged as a result of a road traffic accident.
• the cost of draining your car’s fuel tank due to accidental misfuelling and of repairing any damage caused to your car’s engine as a consequence of it.
• the cost of protecting and removing your car to the nearest repairer and the cost of delivering your car back to you after it has been repaired as long as your home is in the United Kingdom, Channel Islands or the Isle of Man.
• replacement or repair of your car’s windscreen, windows or sunroof. Replacing your carWe will, at your request, replace your car with a new one of the same make, model and specification if your car is:
• stolen and not recovered within 28 days of you reporting the theft to us; or
• damaged to the extent that the cost of repair is more than 50% of the price of an identical new car at the time of loss or damage (based on the manufacturers last United Kingdom list price).
We will only do this if:
• you have owned your car (or it has been hired to you under a hire-purchase agreement or personal contract hire agreement) since it was first registered as new;
• the loss or damage happens before your car is one year old;
• we have your permission or the hire-purchase company’s permission to replace your car;
• your car is in current production and available in the United Kingdom.
If your car is on lease hire, hire purchase or personal contract hire, we may be required to pay the owner for damage to your car. In that event our payment will be in full and final settlement of our liability under this section.Electric vehicles – Leased batteries In the event of loss or damage insured under this section, we may be required to make our payment to the owner of your car’s battery, or batteries, if the battery is leased or hired.
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We will not coverLoss of or damage to your car following theft or attempted theft if it was unoccupied at the time of the loss or damage, unless your car was locked and the ignition key or other removable ignition device was not in or on your car.
Loss or damage to your car resulting from fraud or deception or by using any counterfeit form of payment which a bank or building society will not authorise.
Any amount over £750 for loss of or damage to audio, communication, navigational, or in-car entertainment equipment unless it is standard equipment, or a manufacturer fitted optional extra for your car when built. Such equipment must be permanently fitted to your car and operated exclusively by your car’s electrical system.
Fire, theft and malicious damage excessYou will have to pay the first £120 of any claim made for fire, theft, attempted theft or malicious damage.
Windscreen Damage ExcessIf your claim is only for repair or replacement of your car’s windscreen, windows or sunroof or for bodywork scratched as a direct result of a damaged windscreen, window or sunroof you will have to pay the first –• £75 for replacement using our recommended repairer Autoglass• £Nil for repair using our recommended repairer Autoglass• £100 for replacement or repair using any other repairer
We encourage the use of repair rather than replacement where possible.Accidental damage excess If your claim is not for fire, theft, malicious damage or windscreen, you will have to pay the excess shown in the category of driver table below. These excesses are additional to any other excess which may apply (please refer to your schedule).
What is not covered in section 2
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What is not covered in section 2 (continued)
Category of driver
Driver’s Age Experienced Inexperienced17 to 20 £350 £35021 to 24 £250 £350
25 or over £120 £250
An inexperienced driver is someone who has not held a full licence issued in the European Union, Great Britain, Northern Ireland, the Channel Islands or the Isle of Man for at least one year.
Wear and tear, depreciation, mechanical, electrical, electronic or computer failures, breakdowns or breakages.
Damage to tyres caused by braking, punctures, cuts or bursts.
Damage or destruction due to pressure waves caused by aircraft or other flying objects.
Loss of value following repairs to your car.
Loss of use of your car or other indirect loss such as travel expenses or loss of earnings.
Loss or damage arising from confiscation, requisition or destruction of your car by or under order of any government, Public or Local Authority.
Any damage caused deliberately by you or anyone else insured under this policy.
The cost of reinstating or replacing data of any type that was held in or stored on any equipment in your car.
Any loss or damage as a result of theft of, or the unauthorised taking of, your car by a family member or anyone who lives with you, unless you report them to the police for taking your car without your consent.
Section 2 – Loss of or damage to your car (continued)
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Section 3 – Medical expenses
Following an accident involving your car we will pay;• medical, surgical and dental fees up to £200 for each person • veterinary fees up to £200 for each domestic pet (for a maximum of two pets)if they are injured while travelling in your car.
We will also pay you £30 a day for up to 30 days if you have to stay in hospital.
Section 4 – Personal belongings
What is covered in section 4
We will pay, at your request, up to:
• £300 for personal belongings
• £200 for wheelchairs, prams, child’s push chairs, buggies and carrycots
while in or on your car if they are lost or damaged by an accident, fire, theft or attempted theft.
What is not covered in section 4
We will not pay for loss of or damage to:
• money including cash, cheque books, credit, debit cheque and loyalty cards
• tickets vouchers documents or securities (financial certificates such as shares and bonds);
• jewellery including watches;
• mobile phones
• goods, samples or business equipment which you or any person insured by this policy carry in connection with any trade or business
We will not pay for any loss following theft or attempted theft if your car was unoccupied at the time of the loss, unless
• your car was locked and the ignition key or other removable ignition device was not in or on your car, or
• your personal belongings were stolen from the locked boot of your car if your car is a convertible.
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What is not covered in section 5What is covered in section 5
Section 5 – If you or your spouse or civil partner are involved in an accident
We will not cover
• death or loss of sight or limb if this happens more than three months after the accident.
• any loss under this section if you are a firm, company or more than one person.
• deliberately injuring yourself or your spouse or civil partner
• suicide or attempted suicide
• any injury caused by a natural disease or weakness;
• any injury caused by being under the influence of drugs or alcohol to a level which would be a driving offence in the country where the accident happens.
If you or your spouse or civil partner are in an accident while travelling in your car or getting into or out of any motor car and this is the only cause of death or bodily injury to you or your spouse or civil partner, we will pay £5,000 per person if you or your spouse or civil partner die, suffer the total and permanent loss of sight in one or both eyes or lose any limbs.
We will only pay for one benefit for death or injury to each person for any one injury in any one period of insurance.
Section 6 – Replacement locks
We will cover the cost of changing locks on your car if the keys, transmitter or immobiliser key have been lost or stolen provided you report the loss to the police within 24 hours of discovering it.
The maximum we will pay for any one claim is £1,000.
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Section 7 – Foreign travel
This policy provides the minimum cover you need by law to use your car in the following countries:
Territorial limits – Great Britain, Northern Ireland, The Isle of Man, The Channel Islands, Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Monaco, Netherlands, Norway, Poland, Portugal, Republic of Ireland, Romania, San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland and the Vatican City. It also includes travelling between these countries by air, rail or sea, including loading and unloading.
Where the level of cover in any European Community Member State is less than that provided by the legal requirements of the United Kingdom, the level of cover that applies in the United Kingdom will apply in that Member State.
This policy also provides the cover shown in the schedule in any country in the territorial limits as long as:• your car is otherwise permanently kept in Great Britain, Northern Ireland, the Channel
Islands or The Isle of Man• your main permanent address is in Great Britain, Northern Ireland, the Channel Islands or
The Isle of Man,• your visits are only temporary and do not exceed 90 days in any one period of insurance.
For cover outside the territorial limits or an extended period you must tell your insurance advisor.
If we agree to extend cover we may charge an additional premium or apply terms or both.
We will pay any customs duty if your car is damaged and we cannot return it to Great Britain, Northern Ireland, the Channel Islands or the Isle of Man after a claim covered by this policy.
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Section 8 – No claim discount (NCD)
We will give you a no claim discount as long as the insurance has been in force for 12 months and that each renewal period is for a further 12 months.
Claims that will not reduce your no claim discount:• Claims we pay solely for a broken windscreen or windows, or for repairing scratched
paintwork directly caused by broken glass; and• Claims made due to an accident with an uninsured driver, provided that you are able
to meet the conditions of Section 11 – Uninsured Drivers, please see page 26 for further details.
If you do not make a claim your NCD will continue to increase at each renewal up to a maximum of 9 years.
If you have not chosen to protect your NCD, each claim in the period of insurance will reduce the discount by two years.
If you have chosen to protect your NCD and paid an extra premium for this, we will not reduce your discount when you renew your policy if you have made only one claim. If you make more than one claim in the period of insurance your NCD will be reduced by two years for each additional claim made.
The tables overleaf show how this works both with and without NCD protection.
You will not be able to protect your NCD if you have earned less than 4 years NCD at the beginning of the period of insurance.
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Section 8 – No claim discount (NCD) (continued)
NCD Years at inception or last year’s renewal
NCD Years at next renewal with no claims discount protection
Prejudicial Claims since the beginning of the period of insurance
None 1 2 3 4 or more
0 1 n/a n/a n/a n/a
1 2 n/a n/a n/a n/a
2 3 n/a n/a n/a n/a
3 4 n/a n/a n/a n/a
4 5 4 2 0 0
5 6 5 3 1 0
6 7 6 3 1 0
7 8 7 3 1 0
8 9 8 3 1 0
9+ 9 9 3 1 0
NCD Years with no claims discount protection
NCD Years at inception or last year’s renewal
NCD Years at next renewal without no claims discount protection
Prejudicial Claims since the beginning of the period of insurance
None 1 2 3 or more
0 1 0 0 0
1 2 0 0 0
2 3 0 0 0
3 4 1 0 0
4 5 2 0 0
5 6 3 1 0
6 7 3 1 0
7 8 3 1 0
8 9 3 1 0
9+ 9 3 1 0
NCD Years without no claims discount protection
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Section 9 – Emergency accommodation and travel expenses
We will pay you and any person travelling in your car up to £40 for any overnight accommodation or to travel home if your car is stolen or damaged as a result of an accident covered under this policy.
Section 10 – Loss of vehicle licence
Following the total loss of your car due to an event covered by this policy we will pay you the unused portion of the road fund licence if you are unable to make a recovery from the Licensing Authorities.
Section 11 – Uninsured drivers
If you make a claim following an accident and the driver of the other vehicle is not insured you will not lose your no claim discount or have to pay any excess as a result of that accident provided;• we establish that the accident is not your fault and • you are able to provide details of the other vehicle’s make, model and registration number and• you provide the name and address of the person driving the other vehicle if possible.
You may have to pay your excess when you first claim and you may also temporarily lose your no claim discount. If subsequently we are satisfied that the accident was not your fault we will repay your excess, reinstate your no claim discount and refund any premium which may be due to you.
What is not covered in section 12What is covered in section 12
Section 12 – Luggage trailer
We will pay up to £250 under Section 2 (Loss of or damage to your car) of this policy for loss or damage to a luggage trailer, whether or not it is attached to your car at the time of the accident or loss.
Any damage caused deliberately by you or anyone else insured under this policy.
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What is not covered
General exclusions applying to all parts of this policy
1 We will not cover loss or damage or legal liability directly or indirectly caused by:
• ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the burning of nuclear fuel; or
• the radioactive, toxic, explosive or other dangerous properties of any explosive nuclear machinery or any part of it.
2 We will not cover loss, damage, injury or liability as a result of:
• earthquake;
• underground fire; or
• war, invasion, revolution or any similar event.
However, we will provide the cover you need to meet the requirements of any compulsory insurance legislation in force within the territorial limits of this policy.
3 We will not cover any claim or damage arising while your car is being:
• driven by anyone who is not mentioned in the “Person or classes of persons entitled to drive” section noted in your current certificate of motor insurance; or
• used for a purpose which is not permitted by your current certificate of motor insurance.
However, this exclusion does not apply to:
• claims under Section 2 (Loss of or damage to your car);
and
• the cover given to you (and to no other person) under Section 1 (Your liability to others)
while your car is being used without your authority or by a motor trader for servicing or repair.
4 We will not cover any loss, damage or liability caused by riot or civil commotion outside England, Scotland, Wales, the Channel Islands or the Isle of Man unless we have to meet any compulsory motor insurance legislation.
5 We will not cover loss, damage, liability, cost or expense of whatever nature directly or indirectly caused by, resulting from or in connection with any act of terrorism regardless of any other cause or event contributing at the same time or in any other sequence to the loss.
For the purpose of this exclusion an act of terrorism means;
• the use, or threatened use, of biological, chemical and/or nuclear force by any person or group of people whether acting alone or on behalf of or in connection with any organisation(s) or government(s) committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public or any section of the public in fear.
• any act deemed by the government to be an act of terrorism.
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What is not covered (continued)
6 We will not cover any loss, damage or liability caused directly or indirectly by pollution or contamination unless the pollution or contamination is directly caused by a sudden individual, unintentional and unexpected incident which entirely takes place at a specific time and location during the period of insurance.
All pollution or contamination which results out of one incident shall be considered to have occurred at the time the incident took place. This exclusion shall not apply where we have to meet the requirements of any compulsory motor insurance legislation in force within the territorial limits of this policy.
7 Loss damage or liability arising out of or as a result of any agreement or contract you have entered into.
8 We will not pay more than our legal liability under compulsory motor insurance legislation for any claim, if the driver of your car, at the time of the accident
• is found to be over the permitted limit for alcohol
• is unfit to drive through drink or drugs, whether prescribed or otherwise
• fails to provide a sample of breath, blood or urine when required to do so, without lawful reason
If we are obliged to make a payment in such circumstances we reserve the right to seek to recover any such amounts from you or the driver of your car.
General exclusions applying to all parts of this policy (continued)
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General conditions applying to this policy
1 Premiums You shall pay the premium or any premium instalment on demand. If you pay your
premium by instalments, in the event that you fail to pay one or more instalments whether in full or in part, we will cancel the policy in line with General Condition 9 of this policy.
2 Taking care of your car You must do all you reasonably can to protect your car from damage or theft and keep it
in a good and roadworthy condition. Where required by law, your car must have a current Department for Transport test certificate (MOT). If we ask, you must allow us, or our representative, to inspect your car at any reasonable time.
3 Keeping to the terms of the policy We will only give you the cover described in this policy if: • any person claiming has met all the conditions as far as they apply; and • any declarations made and information given to us verbally electronically or in
writing on the application or Statement of Insurance on which this policy is based is complete and correct as far as you know.
4 Other insurances We will not make any payment if there is cover under any other insurance.
5 Compulsory insurance If the law of any country in which this policy covers you says we must pay a claim which we
would otherwise not have paid, then we are entitled to recover such payments from you.
6 Misrepresentation, Fraud and Financial Crime If you or anyone representing you: • provides us with misleading or incorrect information to any of the questions asked
when applying for, amending or renewing this insurance; • deliberately misleads us to obtain cover, gain a cheaper premium or more favourable
terms; • provides us with false documents • makes a fraudulent payment by bank account and/or card;
We may: • agree to amend your policy to record the correct information, apply any relevant
policy terms and conditions and collect any additional premium due including any premium adjustment charge to cover our operational costs;
• reject a claim or reduce the amount of payment we make;
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• cancel or void your policy (treat it as if it never existed), including all other policies which you have with us, and apply a cancellation premium charge.
Where fraud is identified we will: • not return any premium paid by you. • recover from you any costs we have incurred. • pass details to fraud prevention and law enforcement agencies who may access and
use this information. Other insurers may also access this information.
Claims Fraud If you or anyone representing you: • makes a claim or part of any claim that is fraudulent, false or exaggerated; We may: • reject the claim or reduce the amount of payment we make; • cancel your policy from the date of the fraudulent act and not return any premium
paid; • recover from you any costs we have incurred relating to the fraudulent claim and any
further claims notified after the date of the fraudulent act; • pass details to fraud prevention and law enforcement agencies who may access and
use this information. Other insurers may also access this information.
7 Arbitration If we accept your claim but you do not agree with the amount we will pay you, we will refer
the matter to an arbitrator chosen by you and us. You cannot take any action against us until you and we have received the arbitrator’s final decision.
8 Reflection period (applicable to new policies and renewals) You may cancel this policy within 14 days of the date you receive it. If you wish to do this,
please contact your insurance advisor. Your policy will be cancelled from the date you request, or the date your request is received, whichever is the later. If you choose to do this and provided your request is received on or before the 14th day, you are entitled to a refund of the premium you have paid for this insurance. We will charge a pro-rata premium plus £15 plus Insurance Premium Tax to cover our operational costs which is subject to a minimum amount payable of £25 plus Insurance Premium Tax except where an incident has occurred which may give rise to a prejudicial claim, in which case the full annual premium will be payable to us.
General conditions applying to this policy (continued)
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9 Cancelling your policy (outside the Reflection period) We may cancel this policy by giving you seven days notice in writing to your last known
address. If this happens we will refund the part of the premium that you have not yet used.
We may cancel your policy where there are serious grounds to do so, this includes: • failure to meet the terms and conditions of this policy; • where you are required in accordance with the terms of your policy to co-operate
with us, or send us information or documentation and you fail to do so in a way that materially affects our ability to process a claim, or our ability to defend our interests;
• failure when requested to supply us with other relevant documentation or information that we need;
• changes to your policy details or circumstances that we do not cover under our policy; or
• use of threatening or abusive behaviour or language, or intimidation or harassment of our staff or suppliers.
We will cancel your policy immediately if: • we identify misrepresentation or any attempt to gain an advantage under this
insurance to which you are not entitled; • we identify your involvement in or association with insurance fraud and/or financial
crime.
If a claim has been made or misrepresentation, fraud or financial crime identified, we will cancel your cover but may not refund any premium. If you are paying by instalments, you must still pay us the balance of the full annual premium.
If you wish to cancel this policy, please contact your insurance advisor. Your policy will be cancelled from the date you request, or the date you contact your insurance advisor, whichever is the later.
If you cancel the policy before the first renewal date we will refund the part of the premium you have not yet used less a charge of £50 plus Insurance Premium Tax except where an incident has occurred that may give rise to a prejudicial claim. If such an incident has occurred the full annual premium will be due to us.
If you cancel the policy after the first renewal date we will refund the part of the premium you have not yet used less a charge of £25 plus Insurance Premium Tax, except where an incident has occurred that may give rise to a prejudicial claim. If such an incident has occurred the full annual premium will be due to us.
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10 Changing your details You must tell us about any changes that may affect your policy cover. If we are not informed
of any changes or corrections this may affect your ability to claim under your policy.
Changes you must tell us about before continuing to use your car:
If you want to • change your car: • make any changes to your car that makes it different from the manufacturer’s
standard UK specification; • use your car for a purpose not permitted in your Certificate of Motor Insurance; • add a new driver.
Changes you must tell us about at your first opportunity:
If you • change your address, or where you normally keep your car; • or any other driver covered by your policy, are convicted of a criminal or motoring
offence including fixed penalty notices; • or any other driver covered by your policy, have a prosecution pending for any
motoring offence; • or any driver covered under your policy become unemployed or change occupation,
including any part-time work; • or any other driver have had changes made to the status of your or their driving licence; • exceed your stated annual mileage; or • any driver covered under your policy have a change of name due to marriage or via
Deed Poll.
When you tell us of a change of details we will reassess the premium and terms of your policy. You will be informed of any revised premium (which will include a charge of £10 plus insurance premium tax to cover operational costs) or terms and asked to agree before any change is made.
To reduce costs we will not refund or charge amounts less than £25 plus insurance premium tax.
In some circumstances we may not be able to continue your policy following the changes, where this happens you will be told and the policy will be cancelled in line with the provisions of General Condition 9.
11 Rights of Parties A person or company who was not a party to this policy has no right under the Contracts
(Rights of Third Parties) Act 1999 to enforce any term of this policy but this does not affect
General conditions applying to this policy (continued)
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any right or remedy of a third party which exists or is available apart from that Act.
12 Car sharing Your policy also covers your car when you are paid for carrying passengers for social
reasons, as long as: • your car is not built or adapted to carry more than eight passengers
(including the driver); • the passengers are not being carried as part of a business of carrying passengers; and • you do not profit from the total amount of money you are paid for the journey. If you have any doubts as to whether or not any car sharing you have arranged is covered
by this policy, please contact us or your insurance advisor.
13 Renewal Regardless of your claims history, your no claim discount or whether you have paid for no
claim discount protection at renewal we have the right to amend your policy terms and conditions.
This includes: • imposing terms such as the application of excesses or endorsements; • increasing your premium; • excluding cover; • amending the policy wording; • changing your payment type; and/or • declining to renew your policy. We will notify you in writing of any such action prior to the renewal date of your policy.
14 Proof of no claims If you have declared to us that you are entitled to a No Claim Discount in respect of the car
covered under this policy we will require proof of this No Claim Discount in writing, unless we otherwise agree. If you do not provide this proof your policy may be invalid or we may change the terms or premium. Your period of no claims must have been earned on a private car policy in the United Kingdom which expired no more than 2 years before the start of this policy.
15 Tax and registration Your car must be taxed where applicable and registered in Great Britain, Northern Ireland,
the Channel Islands or Isle of Man.
16 Choice of law Unless we agree with you to apply the laws of another country, English law will apply to this
contract (unless you live in Guernsey or Jersey, where Guernsey or Jersey law will apply).
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Protecting your car and belongings
Remember! Your policy may not cover loss of your vehicle, accessories or spare parts if your ignition key or other removable ignition device is in, or on, an unoccupied vehicle.
The following information is for guidance only; it does not form part of your policy
If you can, leave the car in a locked garage and lock your car and the garage. If you do not have a garage, try to park in a well-lit, open space.
Don’t leave any belongings in your car. A thief won’t know that a bag or coat doesn’t contain something valuable and might break a window to get at it. If you can’t take them with you, lock them out of sight. If you have a removable sat nav remove the cradle as well as the device plus any suction marks that could show that it is in your car.
Don’t leave money, credit cards or cheque books in the glove compartment.
Never leave a door unlocked or a window or sunroof open, even when just going into a shop for a moment or two. If you use the key fob check the car has actually locked before you leave it. Your policy may not cover you if you do not protect your car against damage or theft.
Remove the ignition key or other removable ignition device when you get out of the car, even when parking in your own drive or at a petrol station. Your policy may not cover you if your car is unoccupied with the keys inside it or on it.
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When parking in a public car park, look for one that is well supervised, with restricted entry and exit points, good lighting and security cameras. Wherever possible use Park Mark® car parks – details of approved Park Mark® car parks can be found on www.parkmark.co.uk
At home, ensure your car keys are kept in a safe place, out of sight and away from windows and doors.
Never leave your car documents in the car; they could help a thief to sell it.
Etch the car’s registration number on all glass surfaces – windows, sunroofs etc. Thieves don’t want the expense of replacement.
If your car is not fitted with an alarm or immobiliser, consider fitting one which is Thatcham approved. Also think about fitting a tracking device especially if you have a high-performance or an expensive car.
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If there is an accident or theft in the United Kingdom call
0800 681 6366
For accidents or theft outside the United Kingdom call
01202 556 797
LV= is a registered trademark of Liverpool Victoria Friendly Society and LV= Broker is a trading style of the Liverpool Victoria Group of Companies. Underwritten by Highway Insurance Company Limited, part of the Liverpool Victoria group of companies. Highway Insurance Company Limited, registered in England and Wales number 3730662 is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, register number 202972. Registered address: County Gates, Bournemouth BH1 2NF.
19217-2017 03/18
LVbroker.co.uk/clear
If you suffer windscreen or glass damage call
0800 678 1010
